Well I know this is an old thread and there's nothing we don't know now...and I guess a lot of us don't even have a 650 anymore...but I've got three

(OK one is for the missus) and have just used the excellent ROMtool to free up memory and use FAT32. For the most part it works, but I'm having trouble with the FAT32 bit...
I have a SanDisk Extreme III 2.0 Gb SD card which now seems to have lost its label (and FileZ shows a load of garbage in the label) but everything (Launcher, Card Info, etc) seems to read from the card OK apart from PocketTunes 5, and even 3.06 is being a bit awkward.
pTunes 5 shows garbage characters in the MP3 file names (saved from an earlier play list) but when I try to play any files, it comes up with Error - The following error(s) occurred during playback: This file couild not be opened. It could be corrupted, or it could be restricted to only allow playback on certain devices. When I try to list at the files, the directories seem empty. But at least it can load all the skins from the phone or the card.
ptunes 3.06 will only load skins from phone memory and not the card, but will list songs OK and display them without any garbage in the names. It will also play OK.
For now it looks like I'll have to go back to the older version if I want to use SDHC cards (all of them up to 8Gb, the 32 Gb "special" turned out to be an anonymous one and only works via a card reader on the PC, doesn't work in the 650 nor in my HD video camera).
Anyone else seen this problem with pTunes and FAT32/SDHC cards?